New video: Kentucky FHA manual underwriting explained. Told "no" on an FHA loan because it needs a manual underwrite? That is not a denial, it is a stricter review. In under 5 minutes I walk the whiteboard: why a file goes manual (Refer/Eligible, HUD downgrade triggers), verification of rent, the ratio limits for 620+ scores (31/43 up to 40/50), the compensating factors that get files approved, how residual income is calculated, and reserves. Declined elsewhere? Send me the scenario. Call/Text 502-905-3708 or kentuckyloan@gmail.com. Joel Lobb, EVO Mortgage. NMLS 57916 | Company NMLS 1738461 | Kentucky loans only | Equal Housing Lender | Not a commitment to lend; all loans subject to credit approval; guidelines subject to change.
